# eSewa vs VYCCU Smart Banking

The clearest difference is rating: VYCCU Smart Banking at 4.0 against eSewa's 3.2. eSewa's advantage is ratings volume (534 vs 2) and review sentiment (19% vs 0%). On price, update cadence, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

VYCCU Smart Banking holds the better App Store score, 4.0 against 3.2. That said, the two scores are not equally well evidenced: eSewa has 534 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 19% of eSewa's written reviews are positive against 0% of VYCCU Smart Banking's, so the app with the better star average is not the one people write more warmly about.

eSewa ships an update every 10 days, VYCCU Smart Banking fortnightly. The most recent releases landed on October 26, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | eSewa | VYCCU Smart Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (534 ratings)](https://appshunter.io/ios/app/esewa/id614370939/reviews) | **[4.0 (2 ratings)](https://appshunter.io/ios/app/vyccu-smart-banking/id1437877446/reviews)** |
| Number of ratings | **534** | 2 |
| Positive reviews | **18.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Fortnightly |
| Monetization | Free | Free |
| Size | 417 MB | 63 MB |
| Requires iOS | **13** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ESEWA LTD.](https://appshunter.io/developer/1838270512) | [VYCCU Savings and Credit Cooperative Limited](https://appshunter.io/developer/1437877445) |

## What reviewers say

### eSewa

[App page](https://appshunter.io/ios/app/esewa/id614370939)

This app allows users to manage their finances and pay bills directly from their mobile devices. Users can easily recharge their phones, pay for utilities like electricity and water, and even book tickets, potentially saving money each month.

**Highlights:** Mobile recharge and top-up, Utility bill payments (electricity, water, internet), Ticket booking (air, bus), Fund loading via internet banking, counter deposit, or cash points, Send and receive money, Online shopping, School fee payments

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 💳 Convenient payment options
- 🤝 Helpful for transactions
- ⚡ Fast and efficient

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🕰️ Slow response times
- 🤖 Poor customer service
- 💳 Unreliable payment processing
- 🔒 Lack of security features

**Reported bugs**

- Login issues
- Transaction failures
- App crashes on certain devices
- Verification process problems

**Requested features**

- Offline payment mode
- Biometric login options
- Improved user interface
- Enhanced security measures
- Better customer support


### VYCCU Smart Banking

[App page](https://appshunter.io/ios/app/vyccu-smart-banking/id1437877446)

This mobile application facilitates online payments for utilities like bills and mobile recharges. It also offers mobile banking features for managing savings and credit cooperative services.

**Highlights:** Utility bill payment, Mobile recharge and top-up, Mobile banking, Savings and credit services, Online payment facilitation

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is eSewa free?

eSewa is free to download, with no in-app purchases.

### Is VYCCU Smart Banking free?

VYCCU Smart Banking is free to download, with no in-app purchases.

### Which has better reviews, eSewa or VYCCU Smart Banking?

VYCCU Smart Banking is rated higher. eSewa averages 3.2 out of 5 from 534 ratings, while VYCCU Smart Banking averages 4.0 from 2 ratings.

### Do eSewa or VYCCU Smart Banking have ads?

Neither eSewa nor VYCCU Smart Banking shows ads.

### Which is updated more often, eSewa or VYCCU Smart Banking?

eSewa ships an update every 10 days, and VYCCU Smart Banking fortnightly. Most recently, eSewa was updated on October 26, 2026 and VYCCU Smart Banking on October 24, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*